THE GCC 401(K) PLAN Contribution & Employer Match

How GCC OF AMERICA, INC. Supports Your Retirement Savings

GCC OF AMERICA, INC. provides retirement savings benefits through THE GCC 401(K) PLAN. Understanding your employer’s contribution structure is essential — it directly affects how quickly your retirement nest egg grows. Below you will find the plan’s average account values and contribution patterns based on publicly filed data.

THE GCC 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for THE GCC 401(K) PLAN is $62,062.00

THE GCC 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for THE GCC 401(K) PLAN is $4,212.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
269,610.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,212.00 in THE GCC 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in THE GCC 401(K) PLAN

An employer match is one of the most valuable benefits in any 401(k) plan — it is essentially free money added to your retirement savings. Your employer contributes additional funds based on a percentage of your own contributions. Missing out on the full match is one of the most common and costly retirement mistakes employees make.

THE GCC 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, THE GCC 401(K) PLAN allocates $3,589,879.00 to match its employees’ contributions, providing an employer match rate of 55.55% of their contributions

THE GCC 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in THE GCC 401(K) PLAN is approximately $2,222.00
Investing in this additonal $2,222.00 for 20 years would give you extra $142,261.00, assuming a 10% annual return.

* Data are from public filings.

Are You Leaving Dollars on the Table?

If you are not contributing enough to capture the maximum employer match, you are literally turning down part of your compensation. For many plans, this can mean thousands of dollars per year in lost employer contributions — money that would compound over decades.

Use the policy details and calculator below to find out exactly how much you need to contribute to capture every dollar of employer matching.

THE GCC 401(K) PLAN Contribution & Match Policy

THE GCC 401(K) PLAN Plan Policies

THE GCC 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may contribute up to 90% of their pretax compensation, as defined in the Plan document.
  • Participants may also elect to make an after-tax Roth contribution to the Plan.
  • The Plan has an automatic contribution arrangement.
  • Unless a newly eligible participant affirmatively elects otherwise after being given appropriate notice, 1% of their compensation will automatically be withheld and contributed to their pre-tax contributions account.
  • A participant’s total salary deferral contribution cannot exceed $23,000 ($30,500 for participants age 50 or older) in calendar year 2024.
  • The Company makes a safe harbor Employer matching contribution each Plan year equal to 100% of each eligible participant’s salary deferral contributions that do not exceed 4% of each eligible participant’s compensation.
  • Participants are immediately vested in their elective deferral contributions, rollover contributions, safe harbor Employer matching contributions, and related earnings theron. Profit sharing contributions made prior to January 1, 2009 and non-safe harbor (frozen) matching contributions made prior to 2009 are also 100% vested. Vesting in nonelective Employer contributions is based on periods of service, as defined in the Plan document, and occurs according to the following schedule: Periods of Service Vested %
  • Less than 3 years: 0%

2025 IRS 401(k) Contribution Limits

The IRS sets annual limits on how much you and your employer can contribute to a 401(k) plan. Knowing these limits helps you maximize tax-advantaged savings. Here are the current limits:

 20242025
Employee elective deferrals (pretax + Roth)$23,000$23,500
Employee + employer contributions combined$69,000$70,000
Catch-up contributions (age 50+)$7,500$7,500
Enhanced catch-up (ages 60–63, SECURE 2.0)N/A$11,250

The power of maxing out: If you contribute the full $23,500 annually for 20 years at a 10% average annual return, you would accumulate approximately $1,505,256. If you can maximize the combined employee+employer limit of $70,000 per year, that grows to roughly $4,480,385 over the same period — more than triple.

Use the 401(k) Savings Calculator to model your specific contribution scenario and see how your savings can grow over time.

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